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Looking for a fha loan specialist in Cottonwood? Review the directory below to compare your options.
9 agents listed
Updated May 2026
Cottonwood, AZ
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Arizona before hiring.
Showing 9 fha loan specialists in Cottonwood, AZ
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
OneAZ Credit Union
601 AZ-89A Suite 1, Cottonwood, AZ 86326
9286497300
AZ LOANS - Cottonwood
960 S Main St, Cottonwood, AZ 86326
9286340818
Fast Auto Loans, Inc.
841 S Main St, Cottonwood, AZ 86326
9286468602
The Trent Baxter Team at Synergy One Lending, Inc. - Sedona, Cottonwood, Prescott, Flagstaff
698 Cove Pkwy STE A, Cottonwood, AZ 86326
9288520401
Fairway Independent Mortgage Corporation
830 S Main St #1a, Cottonwood, AZ 86326
6024104197
Chad Aaron Burgueno | Fairway Independent Mortgage Corporation Loan Officer
830 S Main St #1a, Cottonwood, AZ 86326
9286345490
Andrew Ogden-Barrett Financial Group LLC
830 S Main St Suite 2D, Cottonwood, AZ 86326
9283004104
Northern Arizona Mortgage Corporation
707 E Mingus Ave # 601, Cottonwood, AZ 86326
9286344251
Chase Mortgage
1540 AZ-89A, Cottonwood, AZ 86326
9286345567
An FHA loan specialist in Cottonwood, Arizona can guide you through the process of obtaining a government-backed mortgage. These loans are popular in Yavapai County due to lower down payment requirements and flexible credit guidelines. Arizona law requires all mortgage loan originators to be licensed through the Arizona Department of Insurance and Financial Institutions.
What Does a FHA Loan Specialist in Cottonwood Cost?
Typical costs for an FHA loan in Arizona include an upfront mortgage insurance premium of 1.75% of the loan amount and an annual premium of 0.55% to 0.85% depending on loan term and down payment. Closing costs in Cottonwood generally range from 2% to 5% of the purchase price. Lender fees and third-party costs such as appraisal and title insurance also apply. This information is general and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an FHA loan specialist in Cottonwood do?
An FHA loan specialist helps borrowers understand FHA loan requirements, pre-qualify for a loan, and submit a complete application. They also explain Arizona-specific rules such as property condition standards and local appraisal guidelines.
What are the FHA loan limits for Cottonwood Arizona?
For 2025, the FHA loan limit for a single-family home in Yavapai County is $498,257. This limit applies to most areas of Cottonwood. Borrowers should check with a specialist for the most current figures as limits can change annually.
Do I need a special license to work as an FHA loan specialist in Arizona?
Yes. All mortgage loan originators in Arizona must hold a valid license from the Arizona Department of Insurance and Financial Institutions. They must also pass a background check and complete continuing education requirements each year.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Arizona.